| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.8% | +1.3% | +2.5 pts |
| Share growth (YoY) | +4.2% | +0.7% | +3.5 pts |
| Loan growth (YoY) | -1.1% | -2.4% | +1.2 pts |
| ROA | -1.09% | 0.60% | -1.7 pts |
| ROE | -5.5% | 4.1% | -9.6 pts |
ROA ranks in the 8th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $66.8M | $53.8M | $22.6M | $13.4M | $-183K | -1.09% | 3.36% | 0.74% | 3,924 |
| Q4 2025 | $65.2M | $52.0M | $22.9M | $13.6M | $149K | 0.23% | 3.42% | 1.07% | 3,944 |
| Q3 2025 | $64.2M | $51.1M | $22.7M | $13.5M | $55K | 0.12% | 3.43% | 1.36% | 3,961 |
| Q2 2025 | $64.0M | $51.0M | $22.9M | $13.5M | $18K | 0.06% | 3.38% | 1.19% | 3,982 |
| Q1 2025 | $64.4M | $51.6M | $22.9M | $13.4M | $-15K | -0.09% | 3.28% | 1.55% | 3,998 |
| Q4 2024 | $63.9M | $51.3M | $22.9M | $13.5M | $169K | 0.26% | 3.17% | 1.53% | 4,048 |
| Q3 2024 | $63.5M | $50.8M | $22.7M | $13.4M | $152K | 0.32% | 3.13% | 1.91% | 4,073 |
| Q2 2024 | $64.3M | $51.6M | $22.3M | $13.4M | $99K | 0.31% | 2.99% | 1.56% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.09% | 0.60% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | -5.5% | 4.1% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.36% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,077 |
Loan mix (Q1 2026): real estate $1.4M · commercial $0 · consumer $19.2M · securities $28.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 108.5% | 81.5% | 90th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
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